I wish I could leave negative stars. I have had FAHW for many years, and have rarely used them. When my a/c went out, they sent a technician out who reported to them that the problem was the touch pad, which was a non-covered part. So I called someone to come and do the repairs. When it was completed and they gave me the itemized bill for their services, it turned out that none of the repairs had anything to do with the touch pad. I sent all of the proof to FAHW, and they denied the claim on the basis that I did not get pre-approval prior to the repairs. Of course I didn't! I was not aware that it should have been covered until after the repairs were completed. This made absolutely no difference to them. I called to try to talk to someone about it, and was not allowed to speak to anyone with any authority. So I cancelled my contract, and I will never use them again. Don't waste your money! You are better off saving the premium you would pay to cover any repairs that might be needed in the future.